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How Do You Pay Someone on Venmo

Venmo is actually an app-based payment service, that is available for Android and iPhone, where users can send, request, and receive money as well. Venmo permits you to link your debit and credit cards as well as bank accounts in order to send payments to friends and family within the US. Learning how can you send money on Venmo is really easy. Let’s take a look at what you need to know. Let’s discuss How Do You Pay Someone on Venmo.

Venmo remains one of the most famous person-to-person or person-to-business mobile payment systems in the United States actually. With ease, you can also send money via your iPhone or Android-based smartphone. There’s also a Venmo Debit Card available as well. Here’s how you can do it.

How Do You Pay Someone on Venmo

The Things You Need?

Well, completing a payment transaction along with Venmo requires having a balance in your account. Otherwise, it must be backed up by an external payment method, either a bank account or card actually.

Venmo Balance

Whenever another Venmo user pays you via the service, then the money is kept in your account actually, unless you transfer it to an outside source. You can also use your Venmo balance in order to make payments to individuals or authorized merchants.

Venmo External Source

In order to add an external source in the Venmo app:

  • Click on the Venmo app on your mobile device. You can also download the app from the App Store and Google Play as well.
  • Now log into your Venmo account in the app.
  • Then select the hamburger icon at the top left of the app as well.
  • Press the Settings.
  • Choose Payment Methods under Preferences.
  • Then choose Add bank or card under Payment Methods.


  • You have to select the Bank or Card selection under Add Bank or Card.
  • Now follow the directions for your choice. When you add a bank, you can select to have an Instant or Manual verification. The former, when completedly, will permit you to use your bank account in Venmo immediately. Otherwise, you guys will have to wait a few days before being able to do that.

how do you pay someone on venmo

About Payment Selections

Well, Venmo balances that fully cover payments will be taken first actually. Otherwise, your backup source is used actually. Such as, if you guys attempt to make a payment for $100 and you have a $150 Venmo cash balance, then $100 of that balance will be made in order to make your purchase leaving you with a balance of $50. But if you have only an $80 Venmo balance, then your $100 payment will come entirely from the backup source actually.

Important: You can also set different default payment methods for purchases and payments to friends actually. You will be prompted in order to set up these payment methods whenever you make a purchase for the first time.

You guys can select a default payment source in the Venmo app:

  • Click on the Venmo app on your mobile device.
  • Then select the hamburger icon at the top left of the app.
  • Then press the Settings.
  • Choose Backup Payments.
  • Now select your backup payment selection or click on Add bank or card.

how do you pay someone on venmo

Pay via Venmo

You guys can also make payments using the Venmo app or Venmo debit card. The easiest way to do that is person-to-person actually.

  • Click on the Venmo app on your mobile device.
  • Select the payment icon at the top right.
  • Then choose a recipient from your list of Venmo contacts or add a recipient as well. You can also add by Venmo username, phone, or email too. You can also scan a Venmo user’s QR code as well.
  • Now add the payment amount.
  • You also have to include a note to the payment, that can include emoji, Snapchat’s Bitmoji, and Holler stickers as well.
  • Click on Pay. You will also see your Venmo balance or default backup account. Select the currently choose an account in order to make a change.
  • Now confirm payment.

Pay Merchants

Well, Venmo is now part of PayPal, that actually means there are more merchants than ever before that support Venmo payments. Merchants that actually accept PayPal do not necessarily also accept Venmo payments, however.

Finding a merchant that accepts all of these payments, unfortunately, is not nearly as simple as it should be. Currently, Venmo is also available as a payment option in select merchant apps and also for select merchants on a mobile browser. In order to check out at these supported merchants via Venmo, you will need to have the Venmo app installed on your mobile device and will have to opt-in to make purchases as well. From there, you guys can make your purchase as well.

In order to opt-in:

  • Click on the Venmo app on your mobile device.
  • Select the hamburger icon at the top left of the app.
  • Now click on Settings.
  • Select Connect Browsers.
  • Then verify your NATIVE mobile browser. For iOS, this is Safari; for Android-based devices, this is Google Chrome actually.

how do you pay someone on venmo

Want to Make a Merchant Purchase

Through your native mobile browser, you will then see a PayPal button or Venmo button.

  • If you guys see a PayPal button, then click on the button while shopping. If it accepts Venmo, then you will see a Venmo payment option on the next page.
  • Rather, if you see a Venmo button, just click on the button.

In apps:

  • Supported apps will also include a Venmo button during the payment purchase actually.

What About the Venmo Debit Card? | how do you pay someone on venmo

Another way in order to make payments using your Venmo balance is through the free Venmo Debit Card. You can also apply to receive a card directly via the Venmo app; the card works like any other debit card actually. It also includes a rewards system, that permits you to earn money on purchases at specific brick and mortar stores as well.

When you have the Venmo Debit Card, you can then track purchases in the app, change your PIN, or temporarily turn off the card. You can also Reload Automatically, which allows you to add money in $10 increments from your external account(s) in order to cover any purchase amount that exceeds your Venmo balance as well. Along with the card, you can also withdraw cash from your balance at supported ATMs actually.

About Fees

In most of the cases, Venmo does not really charge a fee for basic service. As it explains:

  • Sending money from a linked bank account, debit card, or your Venmo balance.
  • Receiving or withdrawing money into your Venmo account or using our standard transfer to your bank account.

There is no ATM withdrawal fee using the debit card in-network actually. But, Venmo does charge $2.50 whenever using an out-of-network ATM.

Other fees:

  • Sending money to folks (using your credit card), 3 percent
  • Electronic withdrawal (Instant Transfer), 1 percent


You are good to go. If you have any queries and issues related to this “how do you pay someone on venmo” article then let us know in the comments section below.

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